Deferred retirement


Q. I was born in 1967. I’m covered by FERS and want to retire at the age of 55 when I’ll have 34 years of federal service. Will I take a huge hit in my annuity?

A. Because you were born in 1967, your minimum retirement age is 56 years and 6 months. Although you wouldn’t be eligible to retire, you could resign and apply for a deferred annuity when you reach your MRA. However, if you did that, you wouldn’t be eligible to receive the special retirement supplement nor would you be able to re-enroll in either the FEHB or FEGLI programs.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to


  1. But if he waited until his MRA then he could do a “postponed retirement” to age 60 and receive an unreduced FERS annuity and FEHB at age 60. Correct?

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